Phil's Personal Finance Tip of the Day:
7 last-minute gift ideas
A shopping tip sheet for champion procrastinators
By Kelli B. Grant /MarketWatch
There’s only one shopping day left until Christmas, but take heart, procrastinators: you’re not alone. A little more than 10% of consumers expect to be out today checking off final items on their list, according to the National Retail Federation.
Here are some ideas for those trekking out to the mall today or shopping online.
Gift cards
Gift cards may be one of the most popular options. About half of retailers now offer digital versions that can be purchased online and printed, emailed or even text-messaged to a recipient. Maintenance fees have disappeared for the most part, but it’s still important to review the terms. One thing to consider: A quarter of stores require digital gift cards to be spent online, according to ScripSmart.com. It’s also worth checking gift card resale sites such as PlasticJungle.com, which often sell electronic cards for less than face value.
Personalized gifts
Drugstore photo centers http://www.marketwatch.com/story/6-odd-places-to-buy-holiday-gifts-2012-12-05# can often whip up personalized gifts such as calendars, photo books, key-chains and ornaments for same-day pickup. Selection and turnaround times vary store to store.
To read the entire article from Kelli B. Grant /MarketWatch:
http://www.marketwatch.com/story/7-last-minute-gift-ideas-2012-12-24
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